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Web Site Legal Issues

I'm about to launch a site, sort of a community like AO. I have no trouble with the computer side of the website, but what leaves me clueless is the legal side of owning a website. What baffles me is the terms of services, privacy polices, buisness licenses, and all that legal stuff.

What my goal is, is to have a very successful site, very similar to the makeup of AO. If there is someone out there that is viewing this post with a legal background, I could use some advice on where to go and what I have to get done to make sure than I'm in a good legal standing with the site. Do I have to get a lawyer? Do I need certain permits? Ive had websites before but nothing that was worth advertising. So yeah, anyone with this kind of experience, I could use some advice. Thanks